Using Your Insurance
International insurance is a great benefit for travelers—providing potential support throughout the travel abroad experience, from initial planning to follow-up care.
Insurance Contact Information
Before You Go
Before going abroad, you can utilize your international insurance for:
- Appointments. Find and schedule appointments with medical providers abroad.
- Pre-existing conditions. If you have a pre-existing condition and know you will need routine care while abroad, international insurance can assist in locating and scheduling appointments with those resources. (The cost of routine appointments is not covered by the insurance as a pre-existing condition.)
- Check on legality of medications. Not all over-the-counter and prescription medications are legal in all countries. international insurance can verify the legality of medications in your destination country and recommend alternatives that you and your treating physician can consider.
- Medications in country. International insurance can assist in arranging to have prescriptions issued or refilled while in country. If a prescription is required in country (either upon arrival or during the program), the international insurance provider can locate an appropriate health care provider, schedule a consultation appointment, and issue a guarantee of payment. Prescriptions written and issued in country can be reimbursed.
While You're Abroad
While abroad, you can utilize your international insurance 24/7 via phone or email.
- Health Emergency
- Seek care immediately.
- When able, call international insurance and tell them your location and care you have received. International insurance will connect with the hospital and attempt to establish a Guarantee of Payment (GoP) and ensure you are receiving quality care.
- When able, inform International Safety and Security; we can assist you in coordinating with international insurance and monitor your situation.
- Ask for receipts of care for any expenses paid up front to show proof of care received. Receipts are necessary for filing a claim, which must be submitted within 90 days of receiving care. Learn more about filing a claim for reimbursement.
- Routine Care
- Call international insurance to find a local health care provider and request a GoP for your medical visit. The GoP can take as long as 24-72 hours to arrange.
- You will receive a case number when you call. Use this case number whenever you talk with the university or international insurance about your care.
- o If you do not hear from the insurance after 12-24 hours, follow up with them by phone or email.
- Upon arrival to the hospital or medical clinic, provide your Insurance ID Card to the healthcare provider.
- Ask for, and keep, detailed receipts of care if you pay for any services upfront or with your own money. You should submit a claim for reimbursement within 90 days of receiving care. Learn more about filing a claim for reimbursement.
- Use the Remote Insurance Products to seek care via the phone or an app. Find more information here.
- The university’s international insurance policy covers the cost of medical care to treat COVID-19, monkeypox, or other infectious diseases. The university also has a quarantine benefit. Details are available under the first FAQ of the Insurance FAQs page.
- Important note: The quarantine benefit will NOT apply to mandatory quarantine upon arrival as a precaution required by the host government. This is a known cost and should be planned for accordingly. It also requires an official test with written results; a home test is not sufficient for reimbursement.
After Receiving Care
You should submit a claim for reimbursement within 90 days of receiving care. Visit the Claims for Reimbursement page for more information.
After You Return
After you return, you should ensure all claims for reimbursement have been submitted within 90 days of receiving care. Visit the Claims for Reimbursement page for more information.
The insurance policy includes a maximum benefit of $5,000 with no deductible for up to 30 days of follow-up care after return to the U.S. This is used to continue or complete minor treatments started while abroad, such as medical tests, consultations, cast removal, or other procedures. The benefit requires that a case and treatment be started while abroad to document the origin as occurring abroad. Make sure to be in contact with international insurance to assist with the logistics of this care.